Jordan v. Allstate Ins. Co.: Failure to Conduct a Full, Fair, and Thorough Investigation on a Claim?

Jordan v. Allstate Ins. Co.: Failure to Conduct a Full, Fair, and Thorough Investigation on a Claim?

Most insurance policies contain terms that are hard to understand, and the policies are often written ambiguously and confusingly. Besides providing coverage, policies also assign responsibilities to the insured and duties to the insurer. One duty is the implied covenant of good faith and fair dealing. A moniker for the breach of this covenant is Read More

Cross-Examination: Who is in Charge of Setting Restoration Prices?

Cross-Examination: Who is in Charge of Setting Restoration Prices?

‘We Don’t Pay for That.’ Why DON’T you Pay for That? The insurance industry is legally required to adapt to what the restoration industry charges. It is not the other way around. Carriers need an objectively reasonable justification for denial of claims decisions or they face liability for insurance bad faith.  “When restorers allow insurers Read More

Don’t Be a Restoration Cannibal

Don’t Be a Restoration Cannibal

Restorers complain that insurance companies pay too little and don’t treat them fairly, but some restorers contribute to the problem by pandering to insurance companies and foolishly undercutting the value of restoration services. Not only are these cannibal restorers driving down prices but they have started driving the homeowners against them too. Homeowners have started Read More

Restorer Defeats State Farm

Restorer Defeats State Farm

This video was initially released in 2010, yet this problem is still common in the restoration industry; Monday morning quarterbacking by adjusters and competitors throwing criticism about the work being done or the price being charged. They throw judgment at the first responders who witnessed and inspected the actual emergency firsthand. Courts place a high Read More

How is RIA helping restorers in 2022?

How is RIA helping restorers in 2022?

R&R’s Valerie King gets the low down on the RIA initiatives being tackled this year.  A few initiatives discussed include: Developing career pathways with the IICRC New position papers such as the New Construction Price List Industry Key trends and the RIA 2022 International Restoration Convention in April. Watch the podcast here to get the highlights of all that RIA is Read More

Maximize Restoration Collections

Maximize Restoration Collections

Collection Hassles? Along with high quality workmanship and good people skills, good contracts and documentation are the most important tools to prevent collection hassles such as, operational inconsistency, strained customer relations and expensive and time-consuming legal controversy.  They should be professionally-prepared and reviewed annually by an attorney.  This adds a layer of protection in the Read More

California’s Debt Collection License

California’s Debt Collection License

Debt Collection License for Restorers? The Debt Collection Licensing Act (DCLA) takes effect on January 1, 2022 and requires licenses of those who, in the ordinary course of business, are “regularly” engaged in the business of collecting debts owed by individuals for goods and services, subject to certain exceptions. This act stems from SB-908. The Read More

How to Save Your Bacon with a Strong Release of Liability | Cross Examination with Ed Cross

How to Save Your Bacon with a Strong Release of Liability | Cross Examination with Ed Cross

There is sometimes a temptation to incorporate releases and waivers into the contracting process when restorers are faced with either high demand or extenuating circumstances, including natural disasters. Releases came to the forefront of the national restoration conversation this year when the polar vortex caused widespread unexpected damage, primarily from pipe breaks, in the great Read More

C&R Magazine In-Depth Coverage On: The Key to Recovering Fair Market Value for Restoration Services

C&R Magazine In-Depth Coverage On: The Key to Recovering Fair Market Value for Restoration Services

Want stronger rights to payment for your job? Policyholders running off with policy proceeds and not paying you? An Assignment Is Your Best Protection! I am excited to share this article, and podcast/video interview, from Cleaning & Restoration Magazine, by the incredibly talented Michelle Blevins. An assignment makes you the owner of the insurance proceeds. Read More

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